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Navigating Financial Aid: 7 Strategies for Students Seeking Instant Personal Loans

Exploring Credit Card Cash Advances
Credit cards can be more than just a tool for purchases; they also offer cash advance features. This option allows students to withdraw a limited amount of cash, which can act as an instant loan. It’s important to note that cash advances typically come with high-interest rates, and understanding the terms is crucial before proceeding. According to CreditCards.com, the average cash advance interest rate is around 24.8%, significantly higher than regular purchase APRs.

Borrowing from Personal Networks
One of the most straightforward ways to secure an instant loan is by turning to friends or family. This method often comes with the benefits of no interest rates and flexible repayment terms. However, it’s essential to approach this option with a clear agreement to maintain healthy relationships. The Federal Reserve’s Report on the Economic Well-Being of U.S. Households in 2020 indicated that 28% of adults would either borrow, sell something, or not be able to pay if faced with an unexpected $400 expense, highlighting the importance of having a supportive network.

Utilizing No-Fee Loan Providers
No-fee loan providers offer a viable option for students in need of quick cash. These platforms provide short-term loans without collateral requirements, often catering to those with poor or no credit history. With the rise of fintech, companies like SoFi and Marcus by Goldman Sachs are revolutionizing the personal loan industry by offering no-fee personal loans, which means no origination fees, late fees, or prepayment penalties.

Applying for Installment Loans
Installment loans are structured with a fixed number of payments, making them similar to traditional loans. Providers like PaySense cater to students, offering competitive interest rates. For those with good credit, this can be a cost-effective way to borrow money. The Consumer Financial Protection Bureau (CFPB) advises borrowers to consider their ability to repay an installment loan, as defaulting can lead to significant financial consequences.

Engaging in Peer-to-Peer Lending
Peer-to-peer (P2P) lending platforms connect borrowers with individual lenders. Good credit can secure lower interest rates, making this an attractive option for student borrowers. As of 2021, the P2P lending market has seen significant growth, with platforms like Prosper and LendingClub facilitating over $15 billion in loans annually, according to Statista.

Considering Emergency Loans
Emergency loans are designed for urgent financial needs and often come with high-interest rates. It’s crucial to select a lender offering reasonable rates and a manageable repayment period. The National Foundation for Credit Counseling (NFCC) suggests exploring all options, including emergency loans, and understanding the terms before committing.

Instant Online Personal Loans for Students
Online platforms provide a streamlined process for students seeking instant loans. The application is typically paperless, with funds available within 24 hours. It’s essential to have all relevant academic and financial information on hand before applying. The online lending industry has seen exponential growth, with the global digital lending platform market expected to reach $17.1 billion by 2027, according to a report by Grand View Research.

Are Instant Personal Loans Online a Wise Choice?
Instant personal loans can be a practical solution for students in dire need of funds. The convenience of a quick application and direct bank deposit is appealing. However, it’s important to borrow responsibly, ensuring the loan amount is manageable and the repayment terms are clear. Before committing, students should thoroughly understand the loan agreement to avoid future financial strain.

In conclusion, students have various avenues to secure instant personal loans. Whether through credit card advances, personal networks, no-fee loan providers, installment loans, P2P lending, emergency loans, or online platforms, it’s vital to research and choose the most suitable option. With careful consideration and responsible borrowing, students can navigate their financial challenges and invest in their education.

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Potential Benefits of Integrating Real-time Features in your Mobile App!

A decade ago, who thought real-time features would become an inevitable part of the mobile apps? They were considered a luxury then. Today, these features are no more an option but a necessity. So, any enterprise or individual who wants to develop an outstanding app must integrate real-time technology in their apps. Whether they are partnering with a mobile app development company or hiring freelance developers or having an in-house team for app development process, these features are a must-have in the apps. They provide an unparalleled experience to the users and also gain competitive advantages.

But what is real-time technology? What features fall under this technology? And what are the benefits of implementing them in the apps? This blog will answer all these questions in brief, so let’s get started.

What is Real-time Technology?

As the name suggests, real-time technology allows the users to track, receive or send the data on the fly in a matter of seconds. They are the live actions of the users, usually measured in milliseconds or microseconds. This technology is superfast and highly reliable. As a result, many enterprises in diverse industries like healthcare, food, social media, transportation, education, etc. are utilizing it at a fast pace. Also, as the demand of such apps is growing, every mobile app development company is investing time and money in their mobile app developers to build user-centric apps with real-time features.

To understand this concept well, let’s consider an example.

While using a taxi-booking app, before confirming the ride, we can see the nearby cabs moving around on our mobile screen. They are moving in ‘real-time’ in the nearby area and similarly reflect in the app.

Another example is an on-demand healthcare app used by older people for hiring caregivers from the nearby area. The old people can find the caregivers in real-time using the geo-location integration feature in the app. They can chat with them and also do payments in real-time.

Now, let’s run through the significant features that fall under this technology.

The Must-have Real-time Features to Integrate with the Mobile Apps

Push Notifications: This feature is used for making the users aware of the latest products, order status, offers, other features, and any such information, by sending a message through the app.
Real-time News Feed: This feature updates the users about the events, activities, news, advertisements, etc. published on the platforms by others when users are using the app.
Real-time Messaging Service: This is one of the most useful and interactive features for users. Interactive messengers can be used to communicate, share files or documents, create dedicated groups, etc.
Real-time Calling: This is another indispensable functionality which allows the users to make audio or video calls and thus connect seamlessly.
Live Streaming: This is a very popular and visionary feature, useful for deep interactions as well as transferring of data in real-time. It is especially useful for stock trading apps, gaming apps, etc.
Multi-User Collaboration: This feature allows multiple users to work on a common task. They can add, edit, delete and update data simultaneously, google drive is one such example.
Integration of IoT: This feature is useful in collecting real time vital data using sensors and transferring it to the users or admin. Several IoT devices are connected with the apps via the internet.
Live Order Status: This feature keeps the users aware of their orders. They can know when will their goods be delivered to them and if there are any issues in the orders.
Why should Businesses Embed the Real-time Features?

Highly Engaging

The apps with real-time features enable high engagement for a number of reasons. Firstly, they mimic real-world behavior. Secondly, the real-time features allow the users to chat or call using the apps. They can easily connect with people. Also, the push-notification feature informs them of the latest offers, new products, etc. which entices the users all the more. Real-time features give a personal touch to the apps which helps to enhance customer relationship management CRM).

Enable Multi-tasking

Users can simultaneously perform multiple tasks like they can place an order while making an audio call to a friend. This is an enriching and engaging experience for the users.

Gathering Important Data

Real-time features help in gathering vital data like the status of the orders, live location of people, etc. Also, while working on a project in collaboration with others, users can share files and documents, thus gathering important data.

Connecting in a Better Way

The users can connect with their friends or other professionals or people having similar interests through live-chats, video calling, etc. with ease. They can share live locations and gain the exact information. This also gains their trust and improves the customer retention ratio.

Final Words:

A full-fledged app that has real-time features is certain to gain popularity amongst the users. Today’s users are addicted to using such new-age features. As a result, start-ups, small or large enterprises, from diverse industrial domains are developing applications with real-time features. So are you in this race?

If you want to develop an enthralling app with real-time features, contact Biz4Solutions. Biz4Solutions is the one-stop solution for delivering the best mobile app development services. We develop industry-specific mobile apps that have highly advanced real-time features.

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What is the IVF Cost in India?

Infertility treatment in India has played a big role for the rise of medical tourism in India. Over the years, India has become the sought-after destination for people looking for the best ivf clinics in India. Married couples who are unable to conceive end up paying a fraction of the cost for ivf procedure as compared to the exorbitant cost for fertility treatment in their home country. As per ISAR (Assisted society for Assisted Reproduction), there are about 500 fertility clinics in India who end up treating about 30000 patients every year seeking fertility treatment. It is estimated that 10% of these figures are international patients who fly down from Developed nations like USA, UK, France, Spain, Italy, Australia, Japan, South Korea as the cost of ivf treatment in these countries in 10 times more than the ivf cost in India. The significant difference in between IVF cost in India and other countries is one of the key reasons why people are travelling from all over the world for fertility treatment in India. As per Dr Mona Dahiya, considered as one of the best ivf doctor in the world, it’s not just the cost but the success rate of IVF in India is what makes India stand out globally for people looking for a successful pregnancy. As an example, she cites that other developing nations or underdeveloped nations like Sri Lanka, Bangladesh, UAE or for that matter Afghanistan certainly offer affordable ivf treatment but it’s the experience of the infertility Experts in India that makes them come to our country for ivf treatment in India. The experience of doctors given the large number of patients and learnings has made IVF clinics in India stand out for the Highest IVF success rate than the global average. The cost competitiveness has become a leading factor with most IVF clinics in India offering EMI facility to repay the cost of ivf through easy and equated monthly instalments. To summarize, India has become the preferred destination for fertility treatment because of the following 3 Factors.

Affordable IVF cost in India.
One of the Best IVF Doctors in the world.
One of the Highest IVF Success Rate.
Dr Mona Dahiya is the founder Director of Little Angel IVF with 5 fertility Clinics across the National Capital Region comprising of New Delhi, Gurgaon and Noida. She has helped over 3000 Infertile Couples cherish motherhood during her span of over 2 decades. Of these 3000 Patients, about 1000 i.e., 30% are usually International Patients. She is a noted author and fertility specialist and has contributed to over 500 research papers at an International level. With Medical Degrees from India’s Top 3 ranking College, she has done her IVF fellowship from Singapore General Hospital. As per her, being a parent is the biggest joy in the world and price should never be the deciding criteria for travelling to India for low-Cost IVF options. Little Angel IVF is now counted among the Best IVF clinics in India as the success rate of IVF is one of the highest at 70%. A globally acclaimed infertility expert, Dr Mona Dahiya shares an in-depth understanding of IVF cost in India so that people across the world have absolute clarity before they make their travel plans.

IVF COST IN INDIA: The IVF cost in India is about 2 Lac Rupees INR or in Dollar Value about 2500 USD. However, the Cost for foreign nationals can is usually higher at about 4500 USD. Even at this price, the IVF cost is usually almost 20% of the cost of ivf in developed countries. The IVF cost in India can be broadly divided into the following 2 heads.

IVF Procedure Cost: 60% of the Cost of IVF Cycle.
IVF stimulation Drugs Cost: 40% of the Cost of IVF Cycle.
The following are the Key 10 cost heads for infertility treatment through IVF that includes the IVF procedure and Stimulation of Drugs.

Infertility Consultation Fees.
Ultrasound Scans for diagnosis.
Procedural charges for Egg Collection and Transfer of Embryos.
Admission in Day Care.
Consumable Used during the IVF procedure.
ICSI Charges if required.
Embryo Freezing and Blastocyst Culture Costs if applicable.
Stimulation Drugs for Hormones.
Blood Investigations related tests for COVID-19/HIV/Hepatitis Tests.
Other Miscellaneous Costs like Anaesthesia, PICSI etc.
At Little Angel IVF, it is our commitment to help you in every possible way and for the same reason for all international patients and Indian Nationals travelling from other cities, the team helps them in booking accommodation with trusted and affordable Hotels near the IVF clinic that they wish to come as per their convenience and preference. Given the pandemic around, patients first consult Dr Mona Dahiya through an Online appointment done over a Zoom Call, Skype Call or What’s app call.

HOW TO BOOK AN APPOINTMENT WITH Dr MONA DAHIYA OF LITTLE ANGEL IVF?

CALL: Patient Coordination helpline at 9267982924 (9AM-9PM) IST.
E-MAIL: Write to us at [email protected] with your details.
WHY IS LITTLEANGELIVF IS RATED AS THE BEST IVF CLINIC IN INDIA?

Headed by Dr Mona Dahiya, considered one of the Best IVF Doctor in the India.
A 5 Star rating of Patients reviews for the Best IVF clinic in India.
Highest IVF Success rate of IVF at 70% among all IVF clinics in India.
About Dr Mona Dahiya

Dr Mona Dahiya is an IVF Super specialist with over 20 Years of experience across the Globe. Rated as one of the Best IVF doctors in the World, she has over 500 Publications in International Journals for Egg Freezing, Ovulation Test, endometriosis IVF, Embryo Transfer, laser assisted hatching, blastocyst culture & transfer, preimplantation genetic testing, Causes of Infertility & Tubal Reversal. She has successfully treated over 3000 plus infertile couples during the course of these 20 years. Dr Mona Dahiya is continuously ranked as one of the Best IVF Doctor in India and is a Global IVF & IUI Expert with unmatched Qualifications.

IVF Fellowship from Singapore General Hospital, Singapore.
M.D and Residency from Maulana Azad Medical College, Delhi University.
MBBS from Lady Hardinge Medical College, Delhi University.
She is Founder of one of the very best ivf clinics in India, Little Angel IVF with 5 centres in Delhi, Gurgaon, Noida.

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